Dedicated to Deposits: Deals, Data, and Discussion

3.60% 15-Month CD & Other High CD Rates at STCU in Washington State

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Spokane Teachers Credit Union
Spokane Teachers Credit Union is offering several competitive certificate rates. One is a special 3.60% APY for terms of 15 to 30 months. Minimum deposit is $2K. This is called the Deferred Earnings Certificate since dividends are compounded and credited annually. Two other competitive specials include a 4.02% APY 30-month CD with a $25K minimum deposit and a 4.28% APY 60-month CD with a $2K minimum depsoit. The credit union also has very competitive rates on its standard certificates. Some of the best include a 3.45% APY for 24 months and 3.87% APY for 36 months. Minimum deposit is $50K. Lower rates are available for smaller deposits. These rates are listed in the credit union's rate table as of 2/06/09.

Add-On Feature: The special 60-month CD along with the standard CDs allow additional deposits to be made during the terms. You may add funds to your account amounting to no less than $25 per month and no more than $5,000 per month.

Membership is open to those who live, work, worship, or go to school in the State of Washington or in Bonner or Kootenai counties in Idaho. For more details refer to the credit union's Membership Page. Membership requires a one-time $20 fee and a standard savings account ($50 minimum if opened online).

There's an online application for joining and opening accounts. The application allows funding new accounts by ACH from another institution or by credit or debit cards. The special CDs are not listed as CD options (only the standard CDs are included). In addition to Washington State residents, the application allows you to select the option of belonging to a qualified association or organization. One association option is the Inland Empire Philatelic Society. This may an option for those outside Washington. Please check with the credit union to verify. Also, when this is selected, it shows zero for the membership fee.

Branches are located in Spokane and Liberty Lake, Washington and in Port Falls, Dalton Gardens, and Ponderay, Idaho. The credit union is federally insured by the NCUA (Charter # 68203).
  Tags: Washington, Idaho, CD rates, IRA rates, Spokane Teachers Credit Union

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